Genetic Tests and Health Insurance: Results of a Survey
DIANE Publishing, 1992 - 78 pages
A survey of commercial insurers, Blue Cross and Blue Shield plans and HMO1s that offer individual or medically underwritten group policies, and their attitude toward reimbursement for genetic tests or policies for using tests results in underwriting. Summarizes information about cystic fibrosis and presents additional results that pertain to the broader topic of health insurers1 practices and attitudes toward genetic information and genetic tests for diseases other than cystic fibrosis. 22 tables and charts.
What people are saying - Write a review
We haven't found any reviews in the usual places.
Other editions - View all
18 BC/BS plans Accepted with exclusion Accepted with standard Accepted without exclusion applicant at standard BC/BS plans offering BC/BS plans represented BC/BS plans-M BC/BS Blue Shield Carrier Screening carrier testing claims payment practices Commercials HMOs companies condition or disease covered Cross and Blue cystic fibrosis diagnosis or symptoms disease e.g. Duchenne muscular dystrophy exclusion waiver family history genetic conditions Genetic counseling genetic disease genetic information health insurance health maintenance organizations Hemophilia Huntington's disease individual applicants medical director population medically underwrite medically underwritten group offer individual coverage offering medically underwritten Office of Technology OO OO OO open enrollment OTA survey percent of applicants plans-U BC/BS plans-M Prenatal tests questionnaire rated premium reimbursed Require genetic testing respondents Sickle cell anemia significant conditions Tay-Sachs Technology Assessment testing reveals tests for applicants U.S. Congress underwriter population underwritten group applicants underwritten group coverage underwritten group policies waiting period waiver at rated waiver at standard
Page 77 - Adverse selection: The tendency of persons with poorer than average health expectations to apply for or continue insurance to a greater extent than persons with average or better health expectations. Also known as "antiselection.
Page 33 - Insurers generally believed that it was fair for them to use genetic tests to identify those at increased risk of disease; slightly more than one-fourth of medical directors indicated that they disagreed somewhat that such use was fair.
Page 32 - Thirty-four medical directors (67 percent) from commercial insurers said they "agree strongly" or "agree somewhat" with the statement that "it's fair for insurers to use genetic tests to identify individuals with increased risk of disease." Thirty-eight respondents (74 percent) from commercial insurers agreed strongly or somewhat that ' ' an insurer should have the option of determining how to use genetic information in determining risks.